TCBI vs BFH

Comparison between Texas Capital Bancshares Inc (TCBI, Company) and Bread Financial Holdings Inc (BFH, Company).

Both TCBI and BFH are from the Financial Services sector.

5-Year PerformanceBFH has outperformed TCBI, delivering a return of +9.7% compared to +9.0%

TCBI vs BFH - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	TCBI(COMPANY)	BFH(COMPANY)
Market Cap	$4.36B	$4.35B
Max Drawdown	81.15%	92.70%
Sharpe Ratio	0.80	1.73
5Y Beta	1.03	1.40
Industry	Banks - Regional	Credit Services
P/E Ratio	13.13	8.38
Forward P/E	13.70	10.04
PEG Ratio	0.02	0.15
Dividend Yield	0.20%	0.82%
5Y Dividends CAGR	N/A	6.07%
5Y EPS CAGR	2.72%	27.69%
Debt to Equity	13.73%	0.00%
Free Cash Flow Yield	10.81%	50.45%
P/S Ratio	3.40	1.70
P/B Ratio	1.32	1.31

Market Cap

Winner

TCBI

$4.36B

BFH

$4.35B

Max Drawdown

Winner

TCBI

81.15%

BFH

92.70%

Sharpe Ratio

TCBI

0.80

Winner

BFH

1.73

5Y Beta

Winner

TCBI

1.03

BFH

1.40

Industry

TCBI

Banks - Regional

BFH

Credit Services

P/E Ratio

TCBI

13.13

Winner

BFH

8.38

Forward P/E

TCBI

13.70

Winner

BFH

10.04

PEG Ratio

Winner

TCBI

0.02

BFH

0.15

Dividend Yield

TCBI

0.20%

Winner

BFH

0.82%

5Y Dividends CAGR

TCBI

N/A

BFH

6.07%

5Y EPS CAGR

TCBI

2.72%

Winner

BFH

27.69%

Debt to Equity

TCBI

13.73%

Winner

BFH

0.00%

Free Cash Flow Yield

TCBI

10.81%

Winner

BFH

50.45%

P/S Ratio

TCBI

3.40

Winner

BFH

1.70

P/B Ratio

TCBI

1.32

Winner

BFH

1.31

TCBI vs BFH - Historical Returns

Returns include dividend reinvestment.

Period	TCBI	BFH
1 month	-3.01%	+12.28%
3 months	+1.41%	+27.91%
6 months	-4.34%	+41.33%
1 year	+25.20%	+87.42%
5 years(CAGR)	+8.96%	+9.73%
10 years(CAGR)	+7.35%	-3.20%
Max(CAGR)	+9.44%	+10.49%

TCBI

-3.01%

Winner

BFH

+12.28%

TCBI

+1.41%

Winner

BFH

+27.91%

TCBI

-4.34%

Winner

BFH

+41.33%

TCBI

+25.20%

Winner

BFH

+87.42%

5Y(CAGR)

TCBI

+8.96%

Winner

BFH

+9.73%

10Y(CAGR)

Winner

TCBI

+7.35%

BFH

-3.20%

Max(CAGR)

TCBI

+9.44%

Winner

BFH

+10.49%

TCBI vs BFH - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	TCBI	BFH
2026	+8.49%	+44.73%
2025	+17.88%	+24.24%
2024	+22.17%	+88.60%
2023	+9.28%	-10.91%
2022	-1.89%	-44.18%
2021	+2.68%	+18.69%
2020	+5.87%	-32.82%
2019	+10.00%	-26.40%
2018	-43.70%	-40.61%
2017	+13.54%	+9.77%
2016	+62.69%	-15.69%
2015	-7.35%	-3.08%
2014	-11.44%	+9.04%
2013	+32.93%	+76.42%
2012	+41.70%	+40.87%
2011	+42.11%	+43.19%
2010	+49.65%	+7.80%
2009	+7.80%	+35.69%
2008	-24.48%	-37.27%
2007	-8.38%	+17.06%
2006	-14.13%	+69.02%
2005	+2.24%	-23.70%
2004	+52.25%	+69.57%
2003	+15.84%	+53.78%
2002	N/A	+1.20%
2001	N/A	+48.91%

TCBI vs BFH Drawdown Comparison

The maximum drawdown for TCBI was -81.15%, occurring on Mar 23, 2020. Recovery took 1922 trading sessions.

The maximum drawdown for BFH was -92.35%, occurring on Mar 18, 2020. This drawdown has not yet recovered.

The current TCBI drawdown is -7.85%. The current BFH drawdown is -49.00%.

Rank	TCBI	BFH
#1	-81.15% Jun 8, 2018 - Feb 2, 2026	-92.35% Apr 23, 2015 - Mar 18, 2020
#2	-72.90% Apr 19, 2006 - Feb 1, 2011	-70.54% Oct 24, 2007 - Mar 4, 2011
#3	-53.79% Mar 20, 2014 - Nov 11, 2016	-46.63% Apr 1, 2002 - Jul 8, 2003
#4	-25.45% Feb 7, 2005 - Nov 25, 2005	-32.42% Dec 29, 2004 - Apr 20, 2006
#5	-25.15% Oct 5, 2012 - Oct 24, 2013	-32.24% Jul 18, 2001 - Nov 19, 2001
#6	-24.40% Jul 21, 2011 - Dec 2, 2011	-20.86% Jul 3, 2006 - Oct 19, 2006
#7	-24.09% Mar 1, 2017 - Dec 18, 2017	-20.59% Mar 20, 2014 - Jan 21, 2015
#8	-17.28% Mar 12, 2004 - Jul 7, 2004	-18.67% Jul 26, 2011 - Oct 24, 2011
#9	-14.34% Dec 2, 2005 - Apr 19, 2006	-15.88% Jan 31, 2007 - May 17, 2007
#10	-14.21% Feb 3, 2026 - Jul 16, 2026	-15.43% Jun 30, 2004 - Oct 14, 2004
#11	-14.10% Jul 13, 2004 - Sep 9, 2004	-15.18% Jan 30, 2002 - Mar 4, 2002
#12	-12.39% Jan 22, 2018 - May 8, 2018	-11.77% Dec 1, 2003 - Jan 29, 2004
#13	-10.38% Oct 23, 2003 - Dec 9, 2003	-11.33% Oct 28, 2011 - Dec 5, 2011
#14	-10.22% Jan 22, 2014 - Mar 6, 2014	-11.19% Jan 3, 2014 - Feb 7, 2014
#15	-9.19% Mar 19, 2012 - Apr 26, 2012	-10.81% Aug 29, 2003 - Nov 26, 2003

Correlation

Correlation between TCBI and BFH is 0.53 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.53

-101

Dividend Comparison (2016 - 2026)

TCBI vs BFH dividend yield comparison.

Year	TCBI	BFH
2026	0.20%	0.42%
2025	0.00%	1.16%
2024	0.00%	1.38%
2023	0.00%	2.55%
2022	0.00%	2.23%
2021	0.00%	1.07%
2020	0.00%	1.70%
2019	0.00%	2.25%
2018	0.00%	1.52%
2017	0.00%	0.82%
2016	0.00%	0.23%